Identity Theft Insurance Can Cover Your Losses Due to Fraud

Aura offers up to $1 million per adult (up to $5 million total with the Family plan) as insurance for eligible out-of-pocket expenses due to identity theft — including legal fees, lost wages, and more.*

Choose your Aura plan:

Select plan
$12/mo
Save 50%
billed annually, or $15/mo billed monthly
1  Adult / 10 Devices / $1M Insurance
Identity Theft Protection
3-Bureau Credit Monitoring
Antivirus, VPN, Password Manager
Data Broker Removal
AI-Powered Scam Call Protection
Parental Controls
Safe Gaming + Cyberbullying Alerts
Child Identity Protection
$22/mo
Save 54%
billed annually, or $29/mo billed monthly
2  Adults / 20 Devices / $2M Insurance
Identity Theft Protection
3-Bureau Credit Monitoring
Antivirus, VPN, Password Manager
Data Broker Removal
AI-Powered Scam Call Protection
Parental Controls
Safe Gaming + Cyberbullying Alerts
Child Identity Protection
$32/mo
Save 60%
billed annually, or $50/mo billed monthly
5 Adults / Unlimited Kids & Devices / $5M Insurance
Identity Theft Protection
3-Bureau Credit Monitoring
Antivirus, VPN, Password Manager
Data Broker Removal
AI-Powered Scam Call Protection
Parental Controls
Safe Gaming + Cyberbullying Alerts
Child Identity Protection
Start Free Trial

4.7 stars on Trustpilot

What Is Identity Theft Insurance?

Identity theft insurance helps reimburse victims of identity theft for eligible losses (such as stolen funds), as well out-of-pocket expenses associated with recovering their identities.

The insurance coverage on Aura plans includes stolen funds reimbursement, personal expense compensation, and certain legal fees.

Aura does not cover financial losses from any pre-authorized payments from an account. Aura can, however, help you resolve fraudulent transactions, and freeze your credit if you suspect identity fraud.

Nearly 65% of all identity theft cases go unresolved.10 This means you may be liable for any fraudulent charges on your bank account — unless you have identity theft insurance.

For example, if an identity thief uses your Social Security number (SSN) to take out a loan in your name, you could be saddled with thousands of dollars in debt and a damaged credit score.

While you can dispute the fraud, there will still be costs associated with the process — from time spent contacting the credit bureaus to potentially hiring a lawyer.

How Does Identity Theft Insurance Work?

In general, identity theft insurance may be offered by insurance and credit card companies. It can also be included as part of an identity theft protection service like Aura.

Companies like Allstate® and State Farm® also offer identity theft insurance as an add-on to your homeowners or renters insurance. They may charge an additional $9–$35 a month.

While a single homeowners and identity theft insurance policy can simplify bills, you may only have limited coverage.

When you choose a comprehensive identity monitoring service like Aura, you’re also choosing proactive alerts. Dark Web monitoring or alerts about new inquiries on your credit file give you a chance to get ahead of potential fraud.

Family Plan
Allstate Identity Protection Blue FamilyState Farm Identity Restoration Insurance
Free Trials
14-day free trial available.
Only available on monthly plans.
Clear Pricing
Transparent pricing; no hidden renewal fees.
Price increases by ~17% after the first year.
Available as a $25 per year add-on on a policy.
Membership
Member-ship
5 adults, unlimited kids.
Up to 10 members + primary subscriber.
Covers you, your dependents in the same household.
Identity Monitoring
Identity Protection with Home and Auto Title monitoring.
No home and auto title monitoring.
Identity Theft Expense Reimbursement
Identity
Theft
Expense Reimburs-ement
Up to $5 million.
Up to $2 million.
Up to $50,00013
Dark Web Monitoring
Available for up to 10 email addresses per adult.
Available for up to 5 email addresses in a plan.
Social Media monitoring
Spam Call and Message Protection
Available on iOS and Android phones.
Robocall blocker available for only the primary subscriber.

Our comparison methodology combines ratings and reviews from third-party professional and consumer review sources as of June 2024. This comparison does not solely reflect Aura's subjective opinions, tests, or experiences.

Not sure what plan is right for you?

Call us at 1-844-939-3681 to learn more, or see detailed pricing.

See Pricing

What Aura’s Identity Theft Insurance Covers

Aura offers $1 million in insurance coverage per adult member regardless of whether the policy is for an individual, a couple, or a family.

Aura covers:

Expense Reimbursement: $1,000,000 per adult member per 12-month period

Cash Recovery Aggregate: $1,000,000, included within (not in addition to) Expense Reimbursement

Some examples of expenses covered include:

  • Re-filing applications: Costs for re-filing loans, grants, or other credit applications.
  • Verifying documents: Costs for notarizing affidavits or similar documents, long-distance phone calls, travel, and postage.
  • Recovery-related expenses: Credit freeze/thaw costs, transcript costs, appeal bond, court filing fees, and more resulting from any identity restoration efforts.
  • Lost wages: Includes compensation for vacation days, discretionary days, floating holidays, and paid personal days, within twelve months of discovering the fraud.
Eligible Aura members can also opt for higher insurance limits that cover title theft, HSA and 401k cash recovery, and more. Check add-on availability.
Aura does not cover:

Pre-authorized transfers: Losses from any pre-authorized transfers to financial institutions or other accounts owned by the Aura member.

Pre-existing identity fraud: Losses from identity fraud discovered before the policy started.

Excessive legal fees: Legal fees over $125 per hour.

Inactive memberships: Losses that may have occurred while your membership was inactive.

For unauthorized electronic fund transfer — Aura’s identity theft insurance coverage is only valid if you’re an active and paid member. You must also report this loss within 90 days of discovering it.

Plans and Pricing

Select Plan:
Save up to 60% + 14-day free trial
Individual ($1M Identity Theft Insurance)
$24
$12/month
Couple ($2M Identity Theft Insurance)
$48
$22/month
Family ($5M Identity Theft Insurance)
$80
$32/month
Individual Plan
Save up to 50%
$12/mo
billed annually, or $15/mo billed monthly
1 Adult
Online & Device Security - 10 Devices
Premium Identity Theft Protection
$1M Identity Theft Insurance*
Financial Fraud Protection
White Glove Fraud Remediation
Privacy Assistant
Vault (1GB)
See All Plan Features
Couple Plan
Save up to 54%
$22/mo
billed annually, or $29/mo billed monthly
2 Adults
Online & Device Security - 20 Devices (10 per adult)
Premium Identity Theft Protection
Up to $2M Identity Theft Insurance* ($1M per adult)
Financial Fraud Protection
White Glove Fraud Remediation
Privacy Assistant
Vault (2GB)
See All Plan Features
Family Plan
Save up to 60%
$32/mo
billed annually, or $50/mo billed monthly
5 Adults, Unlimited Kids
Online & Device Security - 50 Devices (10 per adult)
Spam Call & Message Protection
Premium Identity Theft Protection with Family Alerts Sharing
Up to $5M Identity Theft Insurance* ($1M per adult)
Financial Fraud Protection
Privacy Assistant
White Glove Fraud Remediation
See All Plan Features
Badge of US News Best Identity Theft Protection Services

Best Identity Theft Protection Service of 2023, U.S. News

Badge of Forbes Best Identity Theft Protection Services 2023

Best Identity Theft Protection Services 2023, Forbes

Identity Protection Services Provider Leader 2024, Javelin

Identity Protection Services Provider Leader 2024, Javelin

Best Identity Theft Protection Services 2023, Money

Badge displaying Aura's Family features being powered by PTPA Award Winners Kidas and Circle

Aura’s Family features are powered by PTPA Award Winners Kidas and Circle

“Aura sets itself apart by being a one-stop shop. While many competitors offer monitoring and account tracking, Aura goes a few steps further by providing antivirus, a password manager and VPN services as well.”
“The upfront pricing is refreshing, it is simple to use, and Aura even includes a password manager, VPN, and antivirus to make its security solution an even more compelling deal.”
“Professional reviewers praise Aura ID theft prevention services for their effectiveness, and some say Aura is often the first to find potentially troublesome data leaks.”
Money Logo
“Aura sets itself apart by being a one-stop shop. While many competitors offer monitoring and account tracking, Aura goes a few steps further by providing antivirus, a password manager and VPN services as well.”
Forbes Logo
“[Aura] has over 20 years of experience in identity theft protection and many robust feature sets that blow the competition out of the water.”
Techradar Logo
“The upfront pricing is refreshing, it is simple to use, and Aura even includes a password manager, VPN, and antivirus to make its security solution an even more compelling deal.”
US News Logo
“Professional reviewers praise Aura ID theft prevention services for their effectiveness, and some say Aura is often the first to find potentially troublesome data leaks.”
Your Aura Comes With Award-Winning Services
Mom's Choice Awards® (MCA) badge awarded to Aura as a Gold Recipient for being among the best in family-friendly apps

Gold Recipient for Family Friendly Apps 2022, Mom’s Choice Awards

Badge of Money - Best Identity Theft Protection Services 2022

Best Identity Theft Protection Services 2022, Money

Badge displaying Aura's Family features being powered by PTPA Award Winners Kidas and Circle

Aura’s Family features are powered by PTPA Award Winners Kidas and Circle

To Start Your Claim:

If you’re an Aura member and may have been a victim of identity fraud, here’s how you can start your insurance claim process:

1

Contact Aura Support from inside your mobile or desktop app.

If you received an Aura alert about suspicious activity, contact Support using the number provided on the fraud alert.

2

Secure a copy of your insurance policy.

Aura will also walk you through how you can directly make a claim with our insurance provider.

3

Prepare a detailed proof of loss to also file with your claim.

File within 60 days of you first learning about the fraudulent incident.

Frequently Asked Questions

Identity theft insurance that’s part of an identity theft protection plan can cost anywhere between $10–$40 per month.

Your exact subscription amount will depend on your plan, the number of people on your plan, and any other add-ons you purchase.

For example, Aura provides $1 million in insurance coverage to every adult member, and on every plan — at no additional cost.

Neither identity theft protection nor insurance can prevent identity fraud from happening. With Aura, you’ll receive timely fraud alerts so you can take action.

Identity theft insurance — already on all Aura plans — helps cover certain direct and indirect expenses that you may have as part of your identity recovery process.

An April 2024 study from Javelin found that people spent an average of 10 hours and ~$200 resolving issues that stemmed from identity fraud.11

During this period, you might miss work, spend money on lawyers, replace stolen documents and IDs, or pay for childcare — all out of pocket if you don't have insurance.

Along with generous insurance coverage, Aura's identity theft protection also includes:

  • Expert Fraud Remediation. Aura can work with you to create a custom recovery plan. The team can also facilitate three-way calls with your bank or credit bureaus to resolve your ID theft incident.
  • Identity monitoring and protection. Receive notifications if your identity was used in a high-risk transaction or exposed in a data breach.
  • Three-bureau credit monitoring service. Identity thieves can open new accounts or take out loans in your name. Aura warns you of any such activity on your credit reports.
  • Online safety tools. This includes antivirus software, a Virtual Private Network (VPN) to hide your browsing history, and more.

Standalone identity theft protection plans such as those from Aura offer a wider range of alerts and remediation services.

On the other hand, Allstate has identity theft insurance as an optional endorsement to existing homeowners, renters, or auto insurance policies.12

This coverage is only available to the policyholder and their registered domestic partner.

Allstate also offers a separate product — Allstate Identity Protection — which can be purchased independently.

For an additional cost, property and auto insurance companies like State Farm include identity theft insurance as an add-on.

This type of identity restoration insurance tends to cover what’s not already part of your homeowners policy, such as credit card fraud. The downside is that expense reimbursement limits are far lower compared to that of Aura’s.

State Farm may reimburse you up to $50,000, sometimes subject to a deductible of $500 per occurrence.13 Meanwhile in Aura’s case, coverage may be up to $5 million based on your plan.

On average, it can take over six months and 100–200 hours of your time to discover, resolve, and recover from the effects of identity theft.

Start Your Aura Free Trial Today

1. Choose your plan
Pick Aura’s Individual, Couple, or Family plan. Download and log in to your Aura app with two-factor authentication.
Mobile with alerts from the Aura App
2. Connect your accounts
Link your bank, credit card, loan, and investment accounts.
3. Start receiving alerts
Monitor your identity watchlist and other credit-related alerts on the Aura web or mobile app.
4.7 stars on Apple App Store  •  19.4K Ratings
4.5 stars on Google Play  •  6.36K Reviews